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Tuesday, January 1, 2013

Lost your Wallet? Things to do quickly

Many of us must have faced a lot of
distressing moments by getting their wallets lost or stolen by
robbers. You have many valuable things in your wallet and you don't
want to loose them. Here are some simple steps you can do to minimize
the damage that will be caused by wallet getting stolen or lost.

Plastic Cards: As soon as you come to
know that your wallet which carries Credit and Debit cards has been
stolen or lost, you should immediately call the customer care service
of your bank and cancel all your cards. Such immediate reaction will
help you to lower the damage. Though you may not be charged for the
fraudulent charges that are made on your cards but taking it as a
responsibility to report the cards missing or stolen.

Reporting to Police: You should always
report the Police about the loss of your wallet. There might be a
possibility that others might use your personal details or cards for
various things hence if you report to the police and get the
complaint number or a copy of police report that might help you a lot
in many things. Also suppose if your credit card is misused then the
police can intervene and stop the frauds that might happen in future.

Intimate the Financial company: Do
intimate your bank about your wallet been lost or stolen. They will
update their records and see to it no fraud happens on your account.
Also monitor your bank accounts daily activity for some period of
time till every thing has been taken care off. Also request for the
new PIN as you might need to change it if you have left such things
in your wallet. Also inform the Insurance company about the theft or
loss of wallet as that might keep you insured if something wrong/
fraud happens on your account.

Credit Bureau: It is very important to
call and inform the credit bureaus if you had left any personal
information or SSN or Social Security card inside your wallet as you
wont like to be a victim of identity theft. The Credit Reporting
agencies(Equifax, Experian or Transunion) will place a restriction on
your account. Suppose if the financial institutes gets any request
for credit card or opening an account with your personal details,
they will first call you to check or verify whether it was you or not
who made such request.

Carry less: It is always said to carry
less things in your wallet so that you don't loose everything at
once. Suppose if you have all the photo identity proof along with you
in your wallet and it gets lost, then you might loose your identity.
It will take a lot of time and money to get all your photo identity
cards back. Hence its always suggested to carry less or just carry
whatever you needed at that particular time rather than carrying
everything and loosing it. Government documents actually requires to
go through a formal application where you have to provide a photo id.
For such reasons its good to carry not carry all the identification
along with you in your wallet.

Finally its very essential to carry
less and note everything you have in your wallet if you loose your
wallet. The loss of Wallet is very stressful hence take the necessary
steps as seen above which might help you in future. “An ounce of
prevention is worth a pound of cure”, so carry your wallet in a
safe place like a wallet or keep it in your bags or inside a purse
for women where they are not easily reachable.